Life Insurance

Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Insurance Information

A member of the Spectrum Insurance staff will design an
affordable plan

that will protect your family.

Do you want to rent a policy or own one?
Our belief is that term insurance doesn't always cut the mustard. Depending on your individual needs, we will explain why owning a policy is
sometimes better than renting one.

Some of the companies Spectrum Insurance represent include:

John Hancock
Principal Financial Group
Protective Life
Genworth Financial

Spectrum Insurance also offers the following type of coverage:
Life with long term Care Benefits
Whole Life Insurance
Universal Life
Variable Life
Indexed Life
Term Insurance
Return of Premium Life
Buy/Sell Agreements
Key Person Life
2nd and First to die Policies
Charitable remainder

There are many types of life insurance, but generally, they fall into 2 categories; term and permanent.
Term Insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, Permanent Insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

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